Oxford, MS 38655 - Home Prices, Rental Trends, Listings & Demographics | Prop:Metrics

Oxford, MS—38655

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value

$406,000

6.2% YoY Growth

Household Income

$64,400

40.5% YoY Growth

Days on Market

33.0% Longer YoY

Home Price Forecast

4.0%

Median Rent

$2,540

18.1% YoY Growth

1-Bed Rent

$1,400

1.4% YoY Growth

2-Bed Rent

$1,800

40.5% YoY Growth

3-Bed Rent

$2,600

12.8% YoY Growth

Home Price Trends — Oxford, MS

As of Dec '25, the median home price in Oxford, MS is $406,000, with a year-over-year change of 6.2%. This indicates that home prices in Oxford, MS are increasing. According to Zillow, the 1-year price projection is 4.0%, suggesting an increase housing market in the next year.

Cost per Home Type

Home Type	Median Home Value	YoY % Change
All Homes	$406,000	6.2%
Single Family	$412,000	4.8%
Condos	$369,000	9.5%

Cost per Home Size

Home Size	Median Home Value	YoY % Change
1 Bed

Rental Trends — Oxford, MS

As of July '25, Rentcast reports the average rent in Oxford, MS is $2,480, with a year-over-year rent change of 18.1%. Per bedroom, the median rent as of July '25 in Oxford, MS is 1-bedrooms: $1,490, 2-bedrooms: $1,840, 3-bedrooms: $2,560, 4-bedrooms: $3,160. The most common rental property sizes in Oxford, MS are 2-bedroom and 3-bedroom, accounting for 34.5% and 31.5% of the rental stock.

Type	Median Rent	Average Rent
Average Rent	$2,540	$2,480
Studio Rent	N/A	N/A
1 Bed Rent	$1,400	$1,490
2 Bed Rent	$1,800	$1,840
3 Bed Rent	$2,600	$2,560
4 Bed Rent	$3,200	$3,160

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% of Rental Stock

Studio

2.5%

1 Bedroom

19.5%

2 Bedrooms

34.5%

3 Bedrooms

31.5%

4 Bedrooms

10.1%

5+ Bedrooms

1.8%

Property Listings — Oxford, MS

As of Dec '25, Realtor.com reports that the median days on market for a home in Oxford, MS is 69. This is a increase of 18.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 7.0%, representing a small inventory and little supply pressure on home prices.

Metric	Zip Code Average	Year over Year % Change
Median Listing Price	$500,000	-11.0%
Listing Count	438	13.0%
Listings as % of Homes	1.5%	13.0%
Days on Market	85	33.0%

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Demographics — Oxford, MS

As of the latest ACS Survey released in 2023, Oxford, MS has a population of 45,400, which has increased by 6.5% over the past 5 years. Oxford, MS is a moderately popular place for families, as children make up 20.5% of the population. The area has a highly educated workforce, with 48.1% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.4% reporting working from home.

Metric	Latest Census	YoY % Change
Population	45,400	6.5%
% Under 18	20.5%	5.1%
% Seniors	14.1%	14.6%
% WFH	6.4%	128.6%
% w/ College Degree	48.1%	1.3%

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As of the latest ACS Survey released in 2023, Oxford, MS is a predominantly white area, with 67.8% of the population identifying as white. The white population has shrunk by 1.2% in the last 5 years. The second most common race or ethnicity in Oxford, MS is black, making up 24.4% of the population. Foreign-born residents account for 4.1% of the population in Oxford, MS, and this percentage has decreased by 2.4% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.

Race and Ethnicity

Metric	Latest Census	5-Year % Change
% White	67.8%	-1.2%
% Black	24.4%	-1.2%
% Hispanic	3.6%	20.0%
% Asian	2.3%	-8.0%
% Foreign Born	4.1%	-2.4%

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Mortgage and Risk — Oxford, MS

According to HUD data as of 2023, there were 1000 mortgage originations in Oxford, MS, of which 89.0% of loans were conventional mortgages. The average loan-to-value was 66.0%, with 23.0% above 90% LTV (very high). This implies large mortgage risk in Oxford, MS. Investor activity is low, as 8.0% of loans were by investors. 7.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.

Mortgages

Metric	Zip Code Average
Total Loan Originations	1,000
% Conventional Loans	89.0%
% Government Loans	11.0%
% Investor Loans	8.0%
% Second Loans	22.0%
% Cash Out Refinance	7.0%

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Rentals and Section 8 — Oxford, MS

Oxford, MS lacks sufficient Section 8 program data for analysis.

Section 8 Market Size

Total Units under HUD	295
Total Units Section 8	83
% Rentals under Section 8	N/A
% Occupied Section 8	99.0%

Section 8 Opportunity

Home Size	HUD Premium	Market Rent	Max HUD Rent
1 Bedroom	-$270	$1,400	$1,130
2 Bedroom	-$470	$1,800	$1,330
3 Bedroom	-$930	$2,600	$1,670
4 Bedroom	-$1,440	$3,200	$1,760

Oxford, MS—38655

Key Metrics at a Glance

Home Price Trends — Oxford, MS

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Oxford, MS

% of Rental Stock

Property Listings — Oxford, MS

Demographics — Oxford, MS

Race and Ethnicity

Mortgage and Risk — Oxford, MS

Mortgages

Rentals and Section 8 — Oxford, MS

Section 8 Market Size

Section 8 Opportunity

Affordability — Oxford, MS

Home Price to Income Ratio

Oxford, MS — ZIP Code Boundary Map

Nearby ZIP Codes

University

Taylor, MS

Abbeville, MS

Potlockney, MS

Water Valley, MS

Frequently Asked Questions

Metric	Zip Code Average
Home Price to Income Ratio	4.7
Median Home Price	$406,000
Median Household Income	$64,400

Oxford, MS—38655

Key Metrics at a Glance

Home Price Trends — Oxford, MS

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Oxford, MS

% of Rental Stock

Property Listings — Oxford, MS

Demographics — Oxford, MS

Race and Ethnicity

Mortgage and Risk — Oxford, MS

Mortgages

Rentals and Section 8 — Oxford, MS

Section 8 Market Size

Section 8 Opportunity

Affordability — Oxford, MS

Home Price to Income Ratio

Oxford, MS — ZIP Code Boundary Map

Nearby ZIP Codes

University

Taylor, MS

Abbeville, MS

Potlockney, MS

Water Valley, MS

Frequently Asked Questions

What is the average home price in Oxford, MS 38655?

How have home prices in Oxford, MS 38655 changed over the past year?

What is the home price projection for Oxford, MS 38655?

What are the demographics of Oxford, MS 38655?

How long does it take homes to sell in Oxford, MS 38655?

What is the average rent price in Oxford, MS 38655?